Financing Options for Solar Panels and Roofing Upgrades

For many SLO County homeowners, going solar isn’t just about helping the planet, it’s about saving money. A properly sized solar system can slash your electric bill, shield you from rising utility rates, and add value to your home.

But here’s something homeowners often overlook: your roof plays a major role in your solar investment. If your roof needs repairs or replacement, it’s better to tackle that before installing solar panels. A strong, well-maintained roof can save you from costly water damage, leaks, and structural issues down the road. These problems are far more expensive to fix once panels are in place.

That’s why at A.M. Sun Solar + Roofing we offer both solar installation and roofing services. And the best part? We make it easy to invest in both with flexible financing options.

Why Financing Matters

Solar systems and roof upgrades are big investments, but they pay off.

  • Solar: Most homes can expect to spend $15,000–$25,000 on a solar system. But even with federal tax credits and monthly savings, it can seem like a .
  • Roofing: A roof replacement may feel like a big expense, but delaying repairs can mean water intrusion, mold remediation, or structural damage — which cost significantly more to fix.

Financing allows you to get the work done now, enjoy the benefits right away, and spread the cost over time.

Financing Options with A.M. Sun Solar + Roofing

OptionHow it WorksBest For
Cash PurchasePay for solar or roofing in full and own outright.Homeowners with cash on hand who want the highest ROI, want to own their system without paying interest.
Solar & Roof LoanBorrow from one of A.M. Sun’s lending partners and pay in fixed monthly installments.People who want to own their system, and pay as they save.
Lease / Power Purchase Agreement (PPA)A third party owns the panels; you pay a fixed monthly lease or per-kWh rate.Homeowners who want low upfront costs and predictable bills without worrying about maintenance.

The Local Advantage

Because A.M. Sun Solar + Roofing is based right here in San Luis Obispo County, they know the permitting process, the climate, and the local utility rules. That means a smoother installation and a financing plan that’s realistic for local homeowners.

They can even bundle roofing and solar into the same financing package, so you don’t have to delay your project or risk installing solar on a roof that needs work.

How to Choose the Right Option

  • Long-term savings: If you plan to stay in your home for years, purchasing (cash or loan) gives you the best return.
  • Monthly cash flow: Choose a loan or lease with payments lower than your current electric bill, so you start saving right away.
  • Roof condition: If your roof is nearing the end of its life, factor repairs or replacement into your financing now to avoid costly rework later.

Take the Next Step

Solar and roofing are two of the smartest home upgrades you can make and with our flexible financing options, they’re more accessible than ever.

Ready to see how much you can save? Contact A.M. Sun Solar + Roofing today for a free, no-pressure consultation. Their team will design a custom solar system, assess your roof, and walk you through the financing plan that works best for your budget.

Why Choose A.M. Sun Solar + Roofing?

At A.M. Sun Solar + Roofing, we pride ourselves on providing expert solar and roofing installations and top-tier service at the best pricing in SLO County. We’re committed to delivering the highest-quality service while keeping your budget in mind. Contact A.M. Sun Solar + Roofing today to schedule your roofing consultation today. Serving San Luis Obispo County and the surrounding areas, we are here to help you protect your home year-round.

Connect with us today at hello@amsunsolar.com, (805) 772-6786, or fill out the form below to get a FREE ESTIMATE with one of our friendly solar & roofing experts.